SMBC Digital vs ModelWorth
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SMBC Digital
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As part of SMBC Group’s commitment to online security and recent changes instigated as part of a European Regulatory requirement, known as the “Payment Service Directive 2 (“PSD2”) we have introduced the “SMBC Digital app. The app provides significantly enhanced security features when compared with the traditional OTP generating token and delivers an improved login experience through secure authentication. Further, the app allows for the “Dynamic Linking” of payments by letting approval users validate and digitally sign payment details “out of band”, thus providing enhanced protection against fraud. When you approve E-payments, the contents are sent to the SMBC Digital App for signing by the scanning of a “Cronto Image” that contains details of the payments you have selected for approval. By scanning this “Cronto Image” into your SMBC Digital App, it can display the payment information and will allow you to sign them by inputting a response generated by the mobile app. This means when the Bank receives payment orders, the systems can verify that they are genuine. The App only reads the data already available to you at the time of authorisation, this data is never stored on the phone or is viewable other than when you access the app at the point of authorisation. No transaction history is ever available on the mobile device.
ModelWorth
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Modeling can be chaotic — endless emails, notes, and payments to track. ModelWorth brings order and peace of mind. • Organize your jobs and clients in seconds • See who’s paid and who hasn’t • See your income grow • Celebrate career milestones Built with models, for models. Be beyond beauty, stay booked and balanced. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is in-app purchases: SMBC Digital at none against ModelWorth's 4. SMBC Digital also leads on device support (3 vs 1). ModelWorth's advantage is update cadence (every 2 weeks vs every 8 months). On price, ads and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. ModelWorth sells 4 in-app purchases, starting at $9.99 per month. SMBC Digital asks for nothing beyond the download.
SMBC Digital ships an update every 8 months, ModelWorth every 2 weeks. The most recent releases landed on December 8, 2025 and September 23, 2026 respectively.
| Parameter | SMBC Digital | ModelWorth |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 8 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 19 MB | 56 MB |
| Age rating | 4+ | 4+ |
| Developer | SMBC Bank International plc | Redshift Group |
In-app purchases
SMBC Digital
No in-app purchases
ModelWorth
- Model Plan$9.991 Month
- Top Model Plan$19.991 Month
- Model Plan$99.991 Year
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- Top Model Plan$199.991 Year









